Edinboro, PA · Charter 24459
Q2 1998
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.02% | 4.62% | 4.22% | 4.89% | 4.09% | 3.42% | 3.92% | 3.10% | -179 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | -4.11% | 11.59% | 25.43% | 8.29% | 16.42% | +2,053 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 38.07% | 26.63% | 11.50% | -4.50% | -12.59% | -5,066 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -6.88% | 9.70% | 25.92% | 6.76% | 16.66% | +2,354 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.27% | 6.64% | 4.10% | 7.24% | 8.42% | 6.64% | 4.96% | 4.69% | -255 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.53% | 2.33% | 0.92% | 1.22% | 1.44% | 2.14% | 1.56% | 3.46% | +224 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.29% | 69.38% | 75.75% | 76.85% | 74.21% | 61.43% | 67.76% | 57.58% | -1,927 bps | |
| Liquid Assets / Assets | 35.50% | 34.30% | 16.78% | 22.32% | 27.67% | 37.67% | 26.14% | 31.99% | +967 bps | |